Network code reference - xPay

The underlying card networks use their own numeric codes. These tables map them to the xPay categories, so when you see a raw network code you can find the matching xPay reason.

Visa
Mastercard
American Express

xPay category	Visa codes
`credit_not_processed`	• 13.6 credit not processed • 13.7 cancelled merchandise / services
`duplicate`	• 12.6.1 duplicate processing • 12.6.2 paid by other means
`fraudulent`	• 10.1 EMV liability shift – counterfeit • 10.2 EMV liability shift – non-counterfeit • 10.3 other fraud – card present • 10.4 other fraud – card absent • 10.5 fraud monitoring program • 33 fraud analysis request
`general`	• 11.1–11.3 authorization issues • 12.1–12.7 processing errors • 13.8 OCT not accepted • 28 / 30 / 34 documentation requests
`product_not_received`	• 13.1 merchandise / services not received • 13.9 non-receipt of cash or load value
`product_unacceptable`	• 13.3 not as described / defective • 13.4 counterfeit • 13.5 misrepresentation
`subscription_canceled`	• 13.2 cancelled recurring

xPay category	Mastercard codes
`credit_not_processed`	• 4860 credit not processed
`duplicate`	• 4834 duplicate / amount differs / multiple processing
`fraudulent`	• 4837 no cardholder authorization • 4849 questionable merchant activity • 4870 chip liability shift • 4871 chip liability shift – lost / stolen / NRI • 6341 fraud investigation
`general`	• 4808 authorization-related • 4812 account number not on file • 4831 amount differs • 4859 addendum / no-show • 6305 amount disagreement
`product_not_received`	• 4855 goods or services not provided
`product_unacceptable`	• 4853 not as described / defective / not provided
`subscription_canceled`	• 4841 cancelled recurring or digital goods
`unrecognized`	• 4863 cardholder does not recognize – potential fraud • 6321 does not recognize transaction

xPay category	Amex codes
`credit_not_processed`	• A01 charge exceeds authorization • C02 credit not processed • C04 goods returned / refused • C05 goods cancelled • C18 no-show / CARDeposit cancelled
`duplicate`	• C14 paid by other means • P08 duplicate charge • 173 duplicate charge
`fraudulent`	• F10 missing imprint • F24 multiple ROCs • F29 card not present • F30 / F31 EMV liability shift • FR2 / FR4 / FR5 / FR6 fraud programs • 177 unauthorized • 193 fraudulent charge
`general`	• A02 no valid authorization • A08 authorization expired • P-series processing errors
`product_not_received`	• C08 goods / services not received • 004 product not received
`product_unacceptable`	• C31 not as described • C32 damaged / defective • 024 goods damaged / defective
`subscription_canceled`	• C28 cancelled recurring billing • 021 goods / services cancelled
`unrecognized`	• 127 / 176 unrecognized charge • 691 requesting support

Reason codes Responding by reason